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SuperValu insurance driving other cars

  • 06-01-2023 6:46pm
    #1
    honda boi
    Registered Users, Registered Users 2 Posts: 1,756 ✭✭✭


    Hi,

    So I just took a policy out with SuperValu car insurance.

    I have only ever been with Aviva and liberty and for driving other cars, the other car must have its own insurance policy.

    Now for SuperValu car insurance I see it doesn't state the other vehicle needs insurance.

    Only that it must be in roadworthy condition ,ie NCT/tax I'm guessing.

    My father has a car with some tax and NCT on it but no insurance for anyone is on the car, does that mean I'd be insured to drive it?

    Will give SuperValu a call when they open but just wondering if anyone here can answer.



Comments

  • #2
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    Yes you can drive it, as your policy doesn't require a insurance on it. No need to call the insurance company if it's written in your policy document.



  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    I have only ever been with Aviva and liberty and for driving other cars, the other car must have its own insurance policy.

    Yes, those two and Zurich currently have the condition that to be covered under 'driving other cars', the car you borrow must have a policy of it's own, whether that policy covers you to drive the car or not.

    My father has a car with some tax and NCT on it but no insurance for anyone is on the car, does that mean I'd be insured to drive it?

    This is the main reason I'm replying to your post. In the situation you described (borrowing your father's car), there is another condition which could catch you out and that is your relationship to the person who owns the car. Some policies will not cover you if the person is a member of your family or your 'household' i.e. they reside in the same house as you. Check your policy document to see if your father falls into any of the categories of people listed as exclusions under 'driving other cars'.



  • #4
    zg3409
    Registered Users, Registered Users 2 Posts: 7,035 ✭✭✭zg3409


    Beware if car is parked in a public place by law it needs to have valid insurance. Often driving other cars only covers while driving not while parked so if you park it somewhere and say it gets robbed, or damaged then there is no insurance policy to claim from. Youau also get parking fine for not displaying valid insurance. I got stopped at a Garda checkpoint and I had no insurance disc in the window. Even if insured it is a separate offence to not display a disc in the window so I recommend carrying a copy of your insurance policy with you and having it to hand if stopped by gardai. Any automatic speed fines will be sent to owners address of vehicle likewise M50 unpaid tolls. Make sure you pay the toll within 24 hours of passing through.



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